Compare the Cost of Audi Q5 Insurance by Model Year and Company


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ByMark Fitzpatrick
Edited byVictoria Copans
ByMark Fitzpatrick
Edited byVictoria Copans

Updated: May 20, 2024

Advertising & Editorial Disclosure

The cost of insuring an Audi Q5 can differ significantly based on factors such as the age of the driver and the model year of the car. For instance, 16-year-olds with a 2009 model Audi Q5 can expect to pay an average annual premium of $6,109, while 40-year-olds with the same model only pay around $1,322. Similarly, a 16-year-old driver with a 2022 model pays an average $8,016 per year, whereas a 40-year-old driver pays $1,776 annually.

MoneyGeek also evaluated the top insurers based on how they balance affordability with service quality and claims experience.

MoneyGeek Logo IconCar Insurance CostsAudi Q5
2024

Why Trust MoneyGeek? We collected thousands of car insurance quotes from Quadrant Information Services to analyze the average rates for an Audi Q5.

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These rates were updated to reflect the average cost of car insurance for an Audi Q5 as of 2023.

10Companies Compared
 
41,832 Quotes Analyzed

Average Cost and Cheapest Companies for Insuring an Audi Q5

The average cost of insuring an Audi Q5 is $1,566 per year, but the insurance provider you decide to go with can greatly influence this cost. State Farm offers the most affordable full coverage option at $1,214 per year, while Farmers charges the highest rates at $1,932 per year.

The average Audi Q5 insurance cost for a minimum coverage policy is $550 per year, with State Farm offering the cheapest car insurance rates at $469 per year, and Farmers charging the highest rates at $753 per year.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$1,214
GEICOAverage Annual Premium$1,313
NationwideAverage Annual Premium$1,450
TravelersAverage Annual Premium$1,470
ProgressiveAverage Annual Premium$1,478
AllstateAverage Annual Premium$1,737
FarmersAverage Annual Premium$1,932

Is an Audi Q5 Expensive to Insure?

Although the Audi Q5, which has an MSRP of $44,370, is typically considered moderate to insure, insurance rates may still fluctuate based on several variables. Specific models may be more expensive to insure due to the vehicle's value, repair expenses or theft rates. Insurance companies consider all of these factors when determining insurance premiums since cars that are more expensive to repair or have higher theft rates are more expensive to insure.

Best Companies for Insuring an Audi Q5

When purchasing insurance for an Audi Q5, price is only one of several factors to consider. Although some insurers may offer lower rates, they may not provide the best overall auto insurance.

MoneyGeek found that the best Audi Q5 insurance providers are:

  • State Farm: MoneyGeek score of 90 out of 100 ($1,214 per year)
  • GEICO: MoneyGeek score of 88 out of 100 ($1,313 per year)

State Farm ranked first for affordability, offering the cheapest rates among all the insurers we evaluated. It also earned the second-highest rating for customer satisfaction overall.

MoneyGeek Top Pick: State Farm

State Farm

pros

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Offers the cheapest rates for an Audi Q5 at $1,214 per year

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Ranked second for customer satisfaction among seven insurers

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Offers roadside assistance and rental car reimbursement

cons

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Does not offer original equipment manufacturer (OEM) coverage

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Has a poor claims management score

COMPANY HIGHLIGHTS

For those looking for the best Audi Q5 insurance, State Farm is an excellent option due to its cost-effective rates. Its yearly premiums are the cheapest of the insurers we compared, averaging $1,214. In addition, the company's high ratings for customer satisfaction guarantee that policyholders receive prompt assistance.

State Farm's roadside assistance add-on is available to drivers who want added coverage for unexpected situations like a flat tire, dead battery or other mechanical failure. If you need help while on the road, State Farm covers up to an hour of mechanical labor and towing to the nearest repair facility.

The company also provides coverage for rental car costs up to specified limits if your car is undriveable following an accident. This add-on also covers travel expenses (such as meals, lodging and transportation) up to $500 and includes a deductible reimbursement up to $500 if you are responsible for an accident in your rental car.

Read MoneyGeek's State Farm Auto Insurance Review

MoneyGeek Runner-Up: GEICO

GEICO

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Has the second-most affordable rates for an Audi Q5 at $1,313 per year

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Ranked second for customer satisfaction

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Offers accident forgiveness and mechanical breakdown insurance (MBI)

cons

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Lacks OEM coverage

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Received a poor claims management score

COMPANY HIGHLIGHTS

Our second car insurance company pick is GEICO, which offers beneficial add-ons like mechanical breakdown insurance and accident forgiveness. With cost-effective premiums and a strong reputation for customer service, this company is an excellent option for Audi Q5 owners.

GEICO offers an additional layer of protection for Audi Q5 owners with its mechanical breakdown insurance, which covers all parts and systems of the vehicle regardless of the manufacturer's warranty. This add-on is available to policyholders with cars less than 15 months old and with fewer than 15,000 miles.

GEICO also offers accident forgiveness, which protects policyholders from a premium increase after their first at-fault accident. It can be earned through safe driving or purchased as a policy add-on. Additionally, GEICO's roadside assistance can provide support for drivers who encounter unexpected car problems and includes services such as emergency towing, lockout services, tire changes and jumpstarts.

Read MoneyGeek's GEICO Auto Insurance Review

Cost of Insuring an Audi Q5 by Model Year

The average cost of car insurance largely depends on the model year of your vehicle. For example, insuring a 2009 Audi Q5 costs an average of $1,322 per year, whereas insuring a 2022 model costs an average of $1,776 per year. Typically, newer cars are more expensive to insure due to their higher value and repair or replacement costs in the event of theft or damage.

Data filtered by:Results filtered by:
Age:
Age:40
Coverage:
Coverage:Full Coverage
2022Average Annual Premium$1,776
2021Average Annual Premium$1,723
2020Average Annual Premium$1,667
2019Average Annual Premium$1,665
2018Average Annual Premium$1,636
2017Average Annual Premium$1,570
2016Average Annual Premium$1,558
2015Average Annual Premium$1,520
2014Average Annual Premium$1,447
2013Average Annual Premium$1,428
2012Average Annual Premium$1,383
2011Average Annual Premium$1,336
2010Average Annual Premium$1,342
2009Average Annual Premium$1,322

Average insurance costs for an Audi Q5 can vary depending on the insurance provider and the year of the vehicle. For instance, State Farm offers the cheapest full coverage rate for a 2009 Audi Q5 at $994 per year, while GEICO offers the most affordable full coverage rate for a 2022 Audi Q5 at $1,164 per year.

Data filtered by:Results filtered by:
Model Year:
Model Year:2022
Age:
Age:40
Coverage:
Coverage:Full Coverage
GEICOAverage Annual Premium$1,164
NationwideAverage Annual Premium$1,376
State FarmAverage Annual Premium$1,538
TravelersAverage Annual Premium$1,666
ProgressiveAverage Annual Premium$1,840
FarmersAverage Annual Premium$2,205
AllstateAverage Annual Premium$2,415

Cost of Insuring an Audi Q5 for 16- to 25-Year-Olds

The cost of car insurance for an Audi Q5 can vary significantly based on the age of the driver. Teens and young adult drivers tend to pay much higher rates compared to adults aged 30 and above. For example, the average Audi Q5 insurance cost for 16-year-olds is $6,986 per year, while 40-year-olds pay approximately $1,527 annually. The cost of car insurance for teens significantly decreases as they age and typically levels off in their 20s.

Data filtered by:Results filtered by:
Coverage:
Coverage:Full Coverage
16Average Annual Premium$6,986
17Average Annual Premium$5,653
18Average Annual Premium$4,992
19Average Annual Premium$3,493
20Average Annual Premium$3,172
21Average Annual Premium$2,438
22Average Annual Premium$2,258
23Average Annual Premium$2,103
24Average Annual Premium$2,000
25Average Annual Premium$1,800

When it comes to buying a car insurance policy for teen drivers, including them on a family plan is more cost-effective than getting them their own individual policy. In addition, it's important to keep in mind that teens under 18 cannot legally purchase their own insurance without a parent or guardian to co-sign. State Farm has the lowest rates for a 16-year-old driver at $5,003 per year, whereas Farmers offers the most expensive at $10,842 per year for individual plans. Families with teens should compare rates from multiple insurers to find the most affordable teen car insurance option.

Data filtered by:Results filtered by:
Age:
Age:16
Model Year:
Model Year:2022
Coverage:
Coverage:Full Coverage
State FarmAverage Annual Premium$5,003
GEICOAverage Annual Premium$5,238
NationwideAverage Annual Premium$5,440
TravelersAverage Annual Premium$7,006
AllstateAverage Annual Premium$10,424
ProgressiveAverage Annual Premium$10,742
FarmersAverage Annual Premium$10,842

How Does Location Affect the Cost of Audi Q5 Insurance?

The cost of car insurance is influenced by factors such as the model year of the Audi Q5 and the age of the driver, but location is often even more important. The least expensive insurance company for a sample car differs by state — Idaho has the most affordable average premiums, while Florida has the highest. To obtain the best rates for an Audi Q5, we recommend comparing quotes from various affordable insurers in your state.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
AlabamaCheapest CompanyNationwideAnnual Premium$709Monthly Premium$59
AlaskaCheapest CompanyState FarmAnnual Premium$699Monthly Premium$58
ArizonaCheapest CompanyRoot Insurance CompanyAnnual Premium$682Monthly Premium$57
ArkansasCheapest CompanyState FarmAnnual Premium$629Monthly Premium$52
CaliforniaCheapest CompanyAAA CaliforniaAnnual Premium$1,001Monthly Premium$83
ColoradoCheapest CompanyAmerican National P&CAnnual Premium$541Monthly Premium$45
ConnecticutCheapest CompanyGEICOAnnual Premium$693Monthly Premium$58
DelawareCheapest CompanyState FarmAnnual Premium$881Monthly Premium$73

Frequently Asked Questions About Audi Q5 Insurance

People in search of the best Audi Q5 car insurance may have questions about both affordability and service quality. Below are answers to some of the most frequently asked questions.

What company has the cheapest car insurance for an Audi Q5?
What company offers the best car insurance for an Audi Q5?

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.